A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
Axis Bank was established in 1994 as one of the first new generation private sector banks in India after the government allowed entry of new private banks. It has grown to become one of the largest private sector banks in India with over 1,200 branches and 6,000 ATMs across the country. The bank was formerly known as UTI Bank but changed its name to Axis Bank in 2007.
This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Comparative analysis of products & services of Axis Bank with its competitors Supriya Mondal
This document provides a summer internship project report submitted by Supriya Mondal to Ramaiah Institute of Management in partial fulfillment of the requirements for a Post Graduate Diploma in Management. The report details Supriya's internship project at Axis Bank Ltd, including an industry analysis of the banking sector in India, an analysis of Axis Bank, and a description of Supriya's roles and responsibilities during the internship. Key points covered include the history and growth of banking in India, the structure of the Indian banking system, major players in the sector, and products and services offered by Axis Bank.
A project report on study of banking products and investment behavior of cons...Projects Kart
This document provides a summary of a report on a study of banking products and investment behavior of consumers. It begins with an introduction to the Indian banking system, including new business opportunities in India and major foreign banks operating in the country. It describes investment strategies in India and provides an overview of Standard Chartered Bank, the products it offers including savings accounts, ULIPs, and mutual funds. The report methodology and findings from analyzing consumer investment patterns are presented across several chapters. Key areas of analysis include identifying potential customers, influential factors in investment decisions, and strategies to better tap the market.
ICICI Bank and HDFC Bank are two of the largest private sector banks in India. ICICI Bank was established in 1994 and is headquartered in Mumbai, focusing on industrial credit. HDFC Bank was established in 1995 and is also headquartered in Mumbai, focusing on housing loans. Both banks have expanded their operations through diversification into areas such as insurance and mutual funds. They use various marketing strategies to promote awareness of their products, engage customers on social media, and leverage partnerships to cross-sell products and reach more customers.
Bank of Baroda was founded in 1908 in Baroda, India by Maharaja Sayajirao Gaekwad III. It has since grown to become one of the largest public sector banks in India. Over the past century, Bank of Baroda expanded both within India and internationally, opening branches across Asia, Africa, and other regions. The bank offers a range of personal and commercial banking products and services. A financial analysis of Bank of Baroda from 2010-2014 found that its capital adequacy ratio, a measure of financial stability, fluctuated during this period but remained above regulatory requirements.
This document is a project report on banking done as a summer internship project. It provides an overview of the banking structure in India, the Indian banking industry, and upcoming foreign banks entering India. It then discusses HDFC Bank, providing details on its founding, profile including branch and ATM growth, technology used, products and customers, business strategy, and recent developments.
This document provides a project report on a training undertaken at Axis Bank. It includes an introduction to the banking industry and Axis Bank in India. The report outlines the research methodology for a comparative analysis of products and services of Axis Bank versus its competitors. It acknowledges those who supported the project and training. The table of contents provides an overview of the report sections which will cover the banking industry, Axis Bank organization, research methodology, findings, SWOT analysis, conclusions and recommendations.
Axis Bank was established in 1994 as one of the first new generation private sector banks in India after the government allowed entry of new private banks. It has grown to become one of the largest private sector banks in India with over 1,200 branches and 6,000 ATMs across the country. The bank was formerly known as UTI Bank but changed its name to Axis Bank in 2007.
This document summarizes an internship report submitted to Axis Bank. It provides background on Axis Bank, including its vision, capital structure, business segments, and SWOT analysis. The internship project involved a comparative analysis of Axis Bank's products and services against its competitors. A survey was conducted with 100 Axis Bank customers. Findings showed customers were generally satisfied but Axis could improve areas like technology updates and number of ATMs. Recommendations included promoting internet banking more, increasing ATM network flexibility, and targeting more customer groups. The conclusion was that Axis has a good customer relationship but needs to improve services and adoption of technology versus competitors.
Comparative analysis of products & services of Axis Bank with its competitors Supriya Mondal
This document provides a summer internship project report submitted by Supriya Mondal to Ramaiah Institute of Management in partial fulfillment of the requirements for a Post Graduate Diploma in Management. The report details Supriya's internship project at Axis Bank Ltd, including an industry analysis of the banking sector in India, an analysis of Axis Bank, and a description of Supriya's roles and responsibilities during the internship. Key points covered include the history and growth of banking in India, the structure of the Indian banking system, major players in the sector, and products and services offered by Axis Bank.
A project report on study of banking products and investment behavior of cons...Projects Kart
This document provides a summary of a report on a study of banking products and investment behavior of consumers. It begins with an introduction to the Indian banking system, including new business opportunities in India and major foreign banks operating in the country. It describes investment strategies in India and provides an overview of Standard Chartered Bank, the products it offers including savings accounts, ULIPs, and mutual funds. The report methodology and findings from analyzing consumer investment patterns are presented across several chapters. Key areas of analysis include identifying potential customers, influential factors in investment decisions, and strategies to better tap the market.
ICICI Bank and HDFC Bank are two of the largest private sector banks in India. ICICI Bank was established in 1994 and is headquartered in Mumbai, focusing on industrial credit. HDFC Bank was established in 1995 and is also headquartered in Mumbai, focusing on housing loans. Both banks have expanded their operations through diversification into areas such as insurance and mutual funds. They use various marketing strategies to promote awareness of their products, engage customers on social media, and leverage partnerships to cross-sell products and reach more customers.
Bank of Baroda was founded in 1908 in Baroda, India by Maharaja Sayajirao Gaekwad III. It has since grown to become one of the largest public sector banks in India. Over the past century, Bank of Baroda expanded both within India and internationally, opening branches across Asia, Africa, and other regions. The bank offers a range of personal and commercial banking products and services. A financial analysis of Bank of Baroda from 2010-2014 found that its capital adequacy ratio, a measure of financial stability, fluctuated during this period but remained above regulatory requirements.
This document is a project report on banking done as a summer internship project. It provides an overview of the banking structure in India, the Indian banking industry, and upcoming foreign banks entering India. It then discusses HDFC Bank, providing details on its founding, profile including branch and ATM growth, technology used, products and customers, business strategy, and recent developments.
This document provides a project report on a training undertaken at Axis Bank. It includes an introduction to the banking industry and Axis Bank in India. The report outlines the research methodology for a comparative analysis of products and services of Axis Bank versus its competitors. It acknowledges those who supported the project and training. The table of contents provides an overview of the report sections which will cover the banking industry, Axis Bank organization, research methodology, findings, SWOT analysis, conclusions and recommendations.
This document is a project report submitted by Sarita Kumari comparing Axis Bank to other banks. It includes an introduction outlining the objectives and methodology of the study. It also provides some limitations of the study. The next chapter provides an overview of Axis Bank, including its evolution, mission and values, products and services (the 7 Ps), and achievements. The following chapter analyzes Axis Bank's financial performance and conducts a SWOT analysis. The report concludes with recommendations.
The document provides an overview of the banking system in India. It discusses the history and nationalization of banks in India. There are currently 88 scheduled commercial banks in India, including 27 public sector banks, 31 private banks, and 38 foreign banks. The document then examines three specific banks - The Jammu & Kashmir Bank Limited, Kotak Mahindra Bank, and The Saraswat Co-operative Bank Limited - comparing their account types, services, and operating policies. Both public and private sector banks in India have grown in recent decades and contributed significantly to the Indian economy.
Presentation on summer internship project of bank priyanka sarraf
A SUMMER INTERNSHIP ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
This document provides an overview of Axis Bank, including:
- Axis Bank was established in 1994 as the first private sector bank after reforms allowed private banks. It was jointly promoted by UTI, LIC, and other insurers.
- Axis Bank is now the third largest private sector bank in India with over 1,700 branches across the country.
- The document outlines Axis Bank's business activities, subsidiaries, promoters including UTI and LIC, and its position as one of the leading banking franchises in India.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
The document outlines an internship report submitted by Mayank Mulchandani to Medi-Caps University about their summer internship at the State Bank of India branch in Indore. It provides an overview of SBI, including its vision, mission and management team, and describes the objectives, activities, and conclusions from Mulchandani's internship experience. The report identifies areas for SBI to improve such as increasing technology usage, customer service levels, and addressing infrastructure issues to better compete against private sector banks.
retail banking an over view of hdfc bankumesh yadav
This document is a project report on retail banking at HDFC Bank. It includes an executive summary that provides an overview of retail banking in India and why banks are shifting focus to retail banking. It also discusses characteristics of retail banking like multiple products, channels and customer groups. The document contains chapters on rationale for the study, objectives, HDFC Bank profile, theoretical perspective, research methodology, data analysis, findings, limitations and expected contributions. It includes certificates, indexes and references. The key information is that this appears to be a student project report analyzing retail banking services at HDFC Bank in India.
The document is a project report submitted by Rajesh Kumar to the National Institute of Technology on retail banking with reference to Allahabad Bank. It includes an executive summary, introduction, company and industry profiles, data collection methodology, findings, suggestions and conclusions. The report analyzes various aspects of Allahabad Bank's retail banking operations including its products and services, workflow, McKinsey's 7S framework, research methodology and customer feedback.
This document is a project report on analyzing the banking sector in India, specifically focusing on State Bank of India. It includes an introduction to SBI covering its history, vision, board of directors, and awards. It also describes the research methodology used and provides an index of topics to be covered on SBI and another public sector bank. Finally, it contains declarations by the student and their guide certifying the original work. In summary, this document presents a student's research project on analyzing State Bank of India and another public sector bank in India for an MBA program.
(Icici copy)summer internship report icici direct (1)kavita tripathi
This document provides information about a summer training project conducted by Kavita Tripathi for her MBA program. The project was titled "Mutual Fund Simplified" and was conducted under the supervision of industry guide Mr. Ashish Ranjan and faculty guide Ms. Saumya Rastogi. The document includes an acknowledgement, executive summary, and details about ICICI group and its subsidiaries such as ICICI Bank, ICICI Prudential Life Insurance, and ICICI Securities. It also provides information about mutual funds and the objectives and methodology of the summer training project.
Axis Bank is one of India's largest private sector banks established in 1994. It has over 1,900 branches across India and overseas in Singapore, Hong Kong, Shanghai, and Dubai. Axis Bank offers a wide range of banking products including consumer banking, corporate banking, investment banking, wealth management, and insurance. It has over 40,000 employees and total assets of over $54 billion as of 2012. Axis Bank aims to provide best-in-class and technology enabled banking services to both retail and corporate customers.
This document provides an introduction and overview of State Bank of India's (SBI) financing activities for small and medium enterprises (SMEs) based on a project report and survey conducted in Rajkot, Gujarat, India. It discusses SBI's history and operations, defines SMEs, describes the importance of SME financing for economic development, and outlines SBI's procedures and services for financing SMEs. The survey found that marketing efforts by SBI helped the bank earn 18 crores of new business from SMEs in the industrial areas surveyed in Rajkot.
This topic is for about Bangladesh bank industry.you can find out
why we invest on bank?
Investing on bank Risk or not?
which bank is prefer for investment?
what is our strategy management for banking industry?
“Satisfaction from e banking services. a comparative study of hdfc and icici...bairasiareshu
This document provides an overview of the history of banking from ancient times through modern Western history. It discusses how temples in ancient civilizations like Babylon and Greece served as early banks where people could store valuables and conduct financial transactions. Banking developed further in ancient Rome and Egypt, utilizing grain and other commodities. During this time period, most banking activities were conducted by private individuals rather than large corporations. The document then outlines some of the key developments in banking during the medieval period in places like Italy and the rise of double-entry bookkeeping. It provides context on the history and evolution of banking practices over thousands of years.
Final year project-Customer Awareness Towards SBI E Banking ServicesRahulsah65
This is a Final Year Project emphasizing on the Perspective, opinion and awareness of People and customers of SBI towards E banking facilities provided By Sbi in khonsa(Arunachal Pradesh)
Bank of Baroda (BOB) was established in 1908 and was one of the first Indian banks to open an overseas branch in 1953 in Mombassa, Kenya. By 2005-06, BOB had nearly 3,000 branches worldwide across 20 countries. It offers various services for NRIs, export/import finance, correspondent banking, and more. However, transforming its bureaucratic culture and gaining employee buy-in to changes has been challenging. BOB is addressing this by expanding its market globally, developing new products and services, increasing branding, and focusing more on customers.
Comparative management study on public and private banks in bangladeshKanok Chowdhury
This document provides background information on a study comparing the management styles of public and private banks in Bangladesh. It begins with an introduction stating that management practices differ across cultures and change over time. The objectives are to assess differences in core management functions between public and private banks through charts, graphs, and analysis. The scope will focus on basic management practices, activities, factors influencing work attitudes, and how practices impact outputs. Some limitations in obtaining all necessary data from banks and interviews are also noted. The literature review discusses types of banks in Bangladesh and common management functions. It aims to analyze differences in management practices between selected public and private banks through a comparative study.
This document is a project report on the service quality of HDFC Bank. It includes an introduction, company profile of HDFC Bank, discussion of service quality in banks, research objectives, methodology, data analysis, findings, conclusion and recommendations. It also includes various appendices related to the project such as a questionnaire. The overall aim of the report is to evaluate the service quality provided by HDFC Bank to its customers.
Comparative Study of Housing Loan of HDFC and ICICI BankIOSR Journals
Purchasing the home of your dreams is not an easy task. Especially when you plan to buy a home on loan. Home loans means that you buy a house on installments. In simpler terms when you want to own a home and cannot afford to pay the amount in lump sum, you can pay it in monthly installments with an interest rate. There are number of companies offer cheap loans at a low interest rate You can avail loan against existing house for renovation or expansion etc. The demand for home loans will not sag much. The reason is a substantial rise in the income-generating capability of Indian youth. So this particular section will keep the housing loan demand high and increased lending rates can only shelve their plans for some time.
This document is a project report submitted by Sarita Kumari comparing Axis Bank to other banks. It includes an introduction outlining the objectives and methodology of the study. It also provides some limitations of the study. The next chapter provides an overview of Axis Bank, including its evolution, mission and values, products and services (the 7 Ps), and achievements. The following chapter analyzes Axis Bank's financial performance and conducts a SWOT analysis. The report concludes with recommendations.
The document provides an overview of the banking system in India. It discusses the history and nationalization of banks in India. There are currently 88 scheduled commercial banks in India, including 27 public sector banks, 31 private banks, and 38 foreign banks. The document then examines three specific banks - The Jammu & Kashmir Bank Limited, Kotak Mahindra Bank, and The Saraswat Co-operative Bank Limited - comparing their account types, services, and operating policies. Both public and private sector banks in India have grown in recent decades and contributed significantly to the Indian economy.
Presentation on summer internship project of bank priyanka sarraf
A SUMMER INTERNSHIP ON “A Comparative study of Himalayan Bank Ltd. and Everest Bank Ltd., with special reference to customer feedback on product and services offered by Himalayan Bank Limited”
This document provides an overview of Axis Bank, including:
- Axis Bank was established in 1994 as the first private sector bank after reforms allowed private banks. It was jointly promoted by UTI, LIC, and other insurers.
- Axis Bank is now the third largest private sector bank in India with over 1,700 branches across the country.
- The document outlines Axis Bank's business activities, subsidiaries, promoters including UTI and LIC, and its position as one of the leading banking franchises in India.
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
The document outlines an internship report submitted by Mayank Mulchandani to Medi-Caps University about their summer internship at the State Bank of India branch in Indore. It provides an overview of SBI, including its vision, mission and management team, and describes the objectives, activities, and conclusions from Mulchandani's internship experience. The report identifies areas for SBI to improve such as increasing technology usage, customer service levels, and addressing infrastructure issues to better compete against private sector banks.
retail banking an over view of hdfc bankumesh yadav
This document is a project report on retail banking at HDFC Bank. It includes an executive summary that provides an overview of retail banking in India and why banks are shifting focus to retail banking. It also discusses characteristics of retail banking like multiple products, channels and customer groups. The document contains chapters on rationale for the study, objectives, HDFC Bank profile, theoretical perspective, research methodology, data analysis, findings, limitations and expected contributions. It includes certificates, indexes and references. The key information is that this appears to be a student project report analyzing retail banking services at HDFC Bank in India.
The document is a project report submitted by Rajesh Kumar to the National Institute of Technology on retail banking with reference to Allahabad Bank. It includes an executive summary, introduction, company and industry profiles, data collection methodology, findings, suggestions and conclusions. The report analyzes various aspects of Allahabad Bank's retail banking operations including its products and services, workflow, McKinsey's 7S framework, research methodology and customer feedback.
This document is a project report on analyzing the banking sector in India, specifically focusing on State Bank of India. It includes an introduction to SBI covering its history, vision, board of directors, and awards. It also describes the research methodology used and provides an index of topics to be covered on SBI and another public sector bank. Finally, it contains declarations by the student and their guide certifying the original work. In summary, this document presents a student's research project on analyzing State Bank of India and another public sector bank in India for an MBA program.
(Icici copy)summer internship report icici direct (1)kavita tripathi
This document provides information about a summer training project conducted by Kavita Tripathi for her MBA program. The project was titled "Mutual Fund Simplified" and was conducted under the supervision of industry guide Mr. Ashish Ranjan and faculty guide Ms. Saumya Rastogi. The document includes an acknowledgement, executive summary, and details about ICICI group and its subsidiaries such as ICICI Bank, ICICI Prudential Life Insurance, and ICICI Securities. It also provides information about mutual funds and the objectives and methodology of the summer training project.
Axis Bank is one of India's largest private sector banks established in 1994. It has over 1,900 branches across India and overseas in Singapore, Hong Kong, Shanghai, and Dubai. Axis Bank offers a wide range of banking products including consumer banking, corporate banking, investment banking, wealth management, and insurance. It has over 40,000 employees and total assets of over $54 billion as of 2012. Axis Bank aims to provide best-in-class and technology enabled banking services to both retail and corporate customers.
This document provides an introduction and overview of State Bank of India's (SBI) financing activities for small and medium enterprises (SMEs) based on a project report and survey conducted in Rajkot, Gujarat, India. It discusses SBI's history and operations, defines SMEs, describes the importance of SME financing for economic development, and outlines SBI's procedures and services for financing SMEs. The survey found that marketing efforts by SBI helped the bank earn 18 crores of new business from SMEs in the industrial areas surveyed in Rajkot.
This topic is for about Bangladesh bank industry.you can find out
why we invest on bank?
Investing on bank Risk or not?
which bank is prefer for investment?
what is our strategy management for banking industry?
“Satisfaction from e banking services. a comparative study of hdfc and icici...bairasiareshu
This document provides an overview of the history of banking from ancient times through modern Western history. It discusses how temples in ancient civilizations like Babylon and Greece served as early banks where people could store valuables and conduct financial transactions. Banking developed further in ancient Rome and Egypt, utilizing grain and other commodities. During this time period, most banking activities were conducted by private individuals rather than large corporations. The document then outlines some of the key developments in banking during the medieval period in places like Italy and the rise of double-entry bookkeeping. It provides context on the history and evolution of banking practices over thousands of years.
Final year project-Customer Awareness Towards SBI E Banking ServicesRahulsah65
This is a Final Year Project emphasizing on the Perspective, opinion and awareness of People and customers of SBI towards E banking facilities provided By Sbi in khonsa(Arunachal Pradesh)
Bank of Baroda (BOB) was established in 1908 and was one of the first Indian banks to open an overseas branch in 1953 in Mombassa, Kenya. By 2005-06, BOB had nearly 3,000 branches worldwide across 20 countries. It offers various services for NRIs, export/import finance, correspondent banking, and more. However, transforming its bureaucratic culture and gaining employee buy-in to changes has been challenging. BOB is addressing this by expanding its market globally, developing new products and services, increasing branding, and focusing more on customers.
Comparative management study on public and private banks in bangladeshKanok Chowdhury
This document provides background information on a study comparing the management styles of public and private banks in Bangladesh. It begins with an introduction stating that management practices differ across cultures and change over time. The objectives are to assess differences in core management functions between public and private banks through charts, graphs, and analysis. The scope will focus on basic management practices, activities, factors influencing work attitudes, and how practices impact outputs. Some limitations in obtaining all necessary data from banks and interviews are also noted. The literature review discusses types of banks in Bangladesh and common management functions. It aims to analyze differences in management practices between selected public and private banks through a comparative study.
This document is a project report on the service quality of HDFC Bank. It includes an introduction, company profile of HDFC Bank, discussion of service quality in banks, research objectives, methodology, data analysis, findings, conclusion and recommendations. It also includes various appendices related to the project such as a questionnaire. The overall aim of the report is to evaluate the service quality provided by HDFC Bank to its customers.
Comparative Study of Housing Loan of HDFC and ICICI BankIOSR Journals
Purchasing the home of your dreams is not an easy task. Especially when you plan to buy a home on loan. Home loans means that you buy a house on installments. In simpler terms when you want to own a home and cannot afford to pay the amount in lump sum, you can pay it in monthly installments with an interest rate. There are number of companies offer cheap loans at a low interest rate You can avail loan against existing house for renovation or expansion etc. The demand for home loans will not sag much. The reason is a substantial rise in the income-generating capability of Indian youth. So this particular section will keep the housing loan demand high and increased lending rates can only shelve their plans for some time.
Retail banking refers to banking services provided to individuals and small businesses. It involves dealing with a large number of low-value transactions compared to wholesale banking which involves a small number of high-value transactions with large corporations. The document discusses the scope, opportunities, and strategies for increasing retail banking business in India. It notes that retail banking is an attractive market segment that offers opportunities for growth given India's growing middle class and their increasing purchasing power. Strategies to increase retail banking business include constant product innovation, quality service, introducing new delivery channels, tapping unexploited potential, infrastructure outsourcing, market research, and cross-selling of products.
Retail banking refers to banking services provided to individual customers rather than businesses. It focuses on mass-producing banking products and services to cater to large numbers of customers. Retail banking offers products like savings and checking accounts, mortgages, personal loans, credit cards, and more. It provides diversification for banks' asset portfolios and opportunities for economic and lifestyle growth through affordable credit. The growth of India's middle class and rising incomes are driving increased opportunities in retail banking.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
The document discusses retail banking in India. It notes that retail banking refers to banking services offered directly to individual consumers rather than corporations, including savings accounts, loans, credit/debit cards. Indian retail banking is growing rapidly due to increasing consumerism, internet usage, and new banking companies/technology. Banks are adopting strategies from retail stores, such as improved customer service, customized products, and using data to better understand customer needs.
The document provides information on banking in India. It defines banking as accepting deposits that are repayable on demand for the purpose of lending and investment. It discusses the key functions of commercial banks like accepting deposits and lending. It also outlines the banking system in India, including the roles of the Reserve Bank of India and State Bank of India. Major trends in the banking sector include the rise of electronic payments and digital banking services like internet banking, mobile banking, and real-time fund transfers.
The document is a project report on the financial analysis of ICICI Bank submitted by Gaurav Narang to HP University, Shimla in partial fulfillment of a Bachelor of Business Administration degree. It includes a certification letter signed by the project guide, Mr. Ankur Mahajan, acknowledging Gaurav Narang's work. There is also an acknowledgement section thanking various people for their assistance and support. The table of contents outlines the various chapters to be included in the analysis of ICICI Bank's financial performance.
A project report on comparative analysis of marketing strategies of vodafone ...Projects Kart
The document provides information about a project report on the comparative analysis of marketing strategies of Bharti Airtel and Vodafone. It includes an introduction to the topic, background details on the telecom sector in India and profiles of Airtel and Vodafone. It also describes the objectives of the study, research methodology used and the contents that will be covered in the report such as the marketing strategies, SWOT analysis, suggestions and conclusions.
A project report on analysis of financial statement of icici bankProjects Kart
This document discusses a minor project report on the analysis of the financial statements of ICICI Bank. It provides background information on ICICI Bank, including its history, board of directors, organizational structure, products and services. It then outlines the objectives and contents of the financial statement analysis project, which includes studying ICICI Bank's profit and loss account, balance sheet, and cash flow statement as well as conducting ratio analysis and evaluating the bank's financial soundness.
BASIC Bank Limited is unique in its objectives. It is a blend of development and commercial banks. The Memorandum and Articles of Association of the Bank stipulate that 50 percent of loan able funds shall be invested in small and cottage industries sector.
Marketing strategies and bank performance in nigeriaAlexander Decker
This document summarizes a research paper that examines the effect of marketing strategies on bank performance in Nigeria following banking consolidation. It provides background on marketing strategies and the Nigerian banking industry. The literature review discusses reasons for banking sector reforms and consolidation worldwide and in Nigeria specifically. The objectives of the studied research paper are outlined as examining the relationship between marketing strategies and bank performance, identifying problems with marketing banking services, and assessing the effectiveness of bank marketing strategies.
This document provides an overview of bank marketing in India. It discusses the origin and definition of banks, the financial system in India, the evolution of marketing concepts, and how marketing applies specifically to banking. It defines bank marketing as satisfying customers' financial needs more effectively than competitors while achieving organizational objectives. The document also discusses the importance of market research, segmentation, and developing a marketing mix for banking services. It provides examples of market research studies conducted by various Indian banks.
[Advanced Management] ICICI Bank - Introduction to Management and OrganisationAndy Woojin Kim
This document contains information about ICICI Bank, including its organizational structure and use of Porter's 5 Forces model. It discusses ICICI Bank's strengths as the 2nd largest bank in India with a strong balance sheet and innovative strategies. Weaknesses include high service charges and strict policies. Opportunities exist in market growth, new technology, and expanding rural presence. Threats include growing competition and potential inflexibility due to large size. The document also contains ICICI Bank's mission, vision, and functional structure.
This document summarizes the key details about education loans provided by banks in India. It covers topics like expenses covered by education loans, eligible loan amounts, repayment terms, interest rates and concessions, tax benefits, required documents, consequences of defaulting, advantages and disadvantages of education loans, and how loan terms differ between banks. The document provides information to help students understand and apply for education loans to fund their higher education goals.
The document provides a history of banking in India from 1786 to the present. It discusses 3 phases: (1) Early phase from 1786-1969 with the establishment of several banks but slow growth, (2) Nationalization of Indian banks beginning in 1955 which increased banking penetration, and (3) Post-1991 reforms period introducing private banks and increased competition and technology usage. The document focuses on key events like the nationalization of SBI in 1955 and 14 major commercial banks in 1969.
The document compares two chocolate brands, Nestle and Cadbury. It presents a marketing research report on the comparative analysis of the two brands. The report was prepared by Ankur Parmar, a student of T.Y.B.B.A at R.P. Bhalodia College in Rajkot, under the guidance of his professor Kuldeep Jobanputra. The report contains a declaration by the student and an acknowledgement of guidance received from the professor. It analyzes various aspects of Nestle and Cadbury such as their market share, brand image, consumer preferences, and marketing strategies to determine how consumers perceive the two leading chocolate brands.
ICICI Bank is India's second largest bank. Its mission is to be the banker of first choice for customers by delivering high quality products and services globally while maintaining high ethics. Its vision is to be a leading global financial services provider in India. Strengths include its large size and market share in India, innovative technologies, and leadership. Weaknesses include higher service charges and strict policies that target wealthier customers. Opportunities lie in India's growing banking sector, emerging technologies, and expanding to new market segments. Threats include increasing global and domestic competition and potential difficulties adapting to changes due to its large size.
Business Process Re-engineering : ICICImijimathews
ICICI Bank undertook a business process re-engineering initiative to centralize its applications and data in order to enable nationwide banking services. It transitioned from a branch-centric model to a centralized system using a hub and spoke network architecture implemented with partners like Infosys, Bill Desk, and SAS. This allowed ICICI Bank to increase its transaction volumes five-fold while reducing branch transactions to only 25% of all transactions.
Similar to A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
Financial appraisal of project @ sbi project report mba financeBabasab Patil
The document discusses State Bank of India's project financing process. It provides an executive summary that outlines the project title, objectives, methodology, and analysis conducted. The project focuses on conducting a financial appraisal of SL Flow Controls, a company manufacturing industrial valves that was financed by SBI. Key findings include that SBI strictly follows RBI guidelines on project financing and assesses technical, financial, and commercial feasibility before providing term loans. Recommendations include considering additional risk factors like sensitivity and social cost-benefit analysis during appraisal.
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The banking system in India has evolved significantly over time. The modern banking system originated during British rule in the 19th century. The banking sector is now divided into public sector banks, private sector banks, cooperative banks, and development banks. The Reserve Bank of India acts as the central bank, regulating all banking activities in the country. Common banking services offered include savings and current accounts, loans, money transfers, credit/debit cards, and safe deposit lockers. Non-resident Indians can also open NRO, NRE, and FCNR accounts.
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This document compares Axis Bank and HDFC Bank. It provides an overview of the objectives, research methodology, limitations, and profiles of the two banks. Key financial metrics like credit to deposit ratio, capital adequacy ratio, non-performing asset ratio, and return on assets are analyzed. Recommendations are made to improve brand image, career opportunities, training programs, and advertising. The conclusion is that Axis Bank is well positioned to gain from opportunities in the growing Indian banking sector due to its strong technology, products, distribution network, and management.
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Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission
“To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer’s aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
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We have PhD experts from reputed institutions/ organizations like Indian Institute of Technology (IIT), Indian Institute of Management (IIM) and many more apex education institutions in India. Our works are tailored and drafted as per your requirements and are totally unique.
From past years our core advisory members, research team assisted research scholars from various universities from all corners of world
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Management, Commerce, Finance, Marketing, Psychology, Education, Sociology, Mass communications, English Literature, English Language, Law, History, Computer Science & Engineering, Electronics & Communication Engineering, Mechanical Engineering, Civil Engineering, Electrical Engineering, Pharmacy & Healthcare.
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission
“To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer’s aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
Our Achievements
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BRAC Bank Limited started its journey in 2001 with a vision to be the market leader in providing banking services to promote broad-based participation in the Bangladesh economy. It focuses on serving small and medium enterprises through its SME division. BRAC Bank operates through 69 branches and has major shareholders including BRAC, International Finance Corporation, and Shore Cap International. The bank aims to provide financing to currently underserved enterprises across rural and urban Bangladesh. It offers various banking products and services to both corporate and individual customers through its corporate banking, retail banking, SME banking and treasury divisions.
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This document provides an overview of a market research project comparing savings accounts at Axis Bank, ICICI Bank, and HDFC Bank in India. The project acknowledges those who provided guidance and respondents. It declares that the findings are for academic purposes only. It includes sections on the objectives of the study, background on the organizations studied, the research design and methodology, a comparison of the competitors' products, limitations and findings, and recommendations.
Importance of effective brand building and segmentation with respect of icici...Projects Kart
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Similar to A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank) (20)
When we think about refreshment, the first thing that comes to our mind is coffee or tea. Most people prefer coffee and most prefer tea and these two drinks have become a part of a human being’s life.
Here we (I) have concentrated on coffee which is considered as a traditional drinks especially in south India. People here start their everyday life with a cup of coffee. Not only in south India but in all parts of the world people are so dependent and addicted to coffee that it acts as a daily schedule to every body every where. But this coffee is not grown in all parts of the world but is grown in very few places with right kind or weather, atmosphere and most important of all, the soil of that region.
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The document provides information about Nirani Sugars Limited, an Indian sugar company. It discusses [1] the history and background of the company, including its establishment in 1997 and expansion plans; [2] the key promoters and board of directors; and [3] the various departments within the organization. The company aims to efficiently utilize local resources to produce sugar and by-products, support farmers, and develop the local community.
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Globalization has opened the door for the investors to avail various investment avenues across the globe. American Depository Receipt (ADR) is one such opportunity to the investing community. The ADR is a proxy for the Indian shares to enable them to be traded in the American stock exchanges. Various studies conducted on Depository Receipts (DRs) have shown that the trading on the DR sin the foreign market has its influence in the home country’s stock in terms of price, volatility and volume. This interested me and this project is concerned about studying “Whether the price fluctuations of ADR affect the corresponding Indian share prices?”
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The business environment has changed more in the last five years than it did in the previous five decades. Winning in today’s business climate requires more than just providing high-quality, low-cost products to customers, when and how the customers want them. The ability to respond to new customer needs and seize market opportunities as they arise, without compromising on the profitability of the firm is critical for the success of any organization. Competitive pressures frequently force manufacturers to decrease prices in spite of the fact that their internal costs continue to rise. Enterprises are continuously striving to improve themselves in the areas of quality, time to market, customer satisfaction, performance and profitability. Making informed business decisions in this manner would enable organizations to accomplish their business growth and at the same time enable them to utilize the information to competitive advantage. To make it possible for the companies to execute this vision, there is a need for an infrastructure that will provide information across all functions and locations within the organization and this is the Enterprise Resource Planning (ERP) solution available in the market today.
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The project report is about recruitment and selection process that‟s an important part of any organization. Which is considered as a necessary asset of a company? In fact, recruitment and selection gives a home ground to the organization acumen that is needed for proper functioning of the organization.
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By 2004 the retail industry was growing rapidly in India, and Spencer's Retail decided to pursue an aggressive expansion strategy. The company had the customers, the products, and the employees to make it happen. It just needed an IT infrastructure that could support rapid growth. Visit http://www.projectskart.com/p/contact-us.html for more information. Current servers were at capacity, and the company needed to upgrade before adding new stores. Amit Mukerjee, Group CIO of the RPG Group, describes the challenge as part of the learning curve for retail development in India. ―Retailing is a new business in this country. As the business matures, the process matures, and IT systems must evolve accordingly. The company also needed an enterprise resource planning (ERP) solution to handle critical processes such as supply-chain management. It decided to implement mySAP ERP, now called SAP ERP, and realized the solution needed to run on high-performance servers. Spencer's Retail evaluated several possibilities, including servers from HP, IBM, and Sun Microsystems. It decided to build its IT infrastructure on Sun systems for several reasons. Sun SPARC Enterprise Servers had the performance and scalability needed to sustain its business, and they delivered higher performance at less cost. Sun's knowledge of the retail space in India, as well as its long history with RGP Enterprises, were also deciding factors.
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A comparative study of retail banking strategies adopted by various private sector bank (compared with axis bank to other banks i.e. icici bank & hdfc bank)
1. Projectsformba.blogspot.com
Comparative Study of Retail Banking
Strategies Adopted by Various Private.
Sector Bank (Compared with AXIS BANK to
Other banks i.e. ICICI BANK & HDFC BANK).
PROJECT SUBMITTED TO ANNAMALAI UNIVERSITY
IN PARTIAL FULFILMENT OF THE REQUIRMENTS
FOR THE DRGREE OF MASTER OF BUSINESS
ADMINSTRATION SPECIALIZED WITH
MARKETING MANGEMENT
BY
Enrolment No:-
Under supervision of
ANNAMALAI UNIVERSITY
DIRECTORATE OF DISTANCE EDUCATION
ANNAMALAINAGAR
2009
2. Projectsformba.blogspot.com
-:SYNOPSIS:-
1. Title of the Project: -
Comparative Study of Retail Banking Strategies Adopted by
Various Pvt. Sector Bank (Compared with AXIS BANK to Other banks i.e.
ICICI BANK & HDFC BANK).
2. Statement of the Problem:-
The Retail Banking refers to banking which banking
institutions execute transaction directly with consumers, rather than corporation
of other banks. Services offered include- savings and Checking accounts,
mortgages, personal loans, debit cards, credit cards and so forth.
Types of Banking:-
Commercial bank has two meanings.
• Commercial bank is the term used for a normal bank to distinguish it from an
investment bank (After the great depression the US Congress required that the
banks only engaged in banking activities, where as investment bank were
limited to capital market activities. This separation is no longer mandatory).
• Commercial Bank can also refer to a bank or a division of a bank that deals
with deposit and loans from corporation or large business, as deposit to normal
individual members of the public. These process are called Retail Banking.
• Community Development Bank are regulated bank that provided financial
services as credit to undeserved market or population.
• Pvt. Bank manages the assets of high net worth individuals.
• Off Share Bank are banks located in jurisdiction with low taxation and
regulation. Many Off Share Bank are essentials are Pvt. Bank.
• Savings Bank accepts savings deposit
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3. Objects of the Study:-
a) To analysis various factors concerning of Retail Banking.
b) To analysis and interpret the additional Services business
through Retail Banking.
c) To analysis growth of banking business.
d) To highlight the development in Retail Banking.
e) To come with conclusion, findings, and suggestions.
4. Research Methodology :-
The study will be based primary data as well as secondary data
But the role of secondary data will be higher.
Primary data will be collected through interview and structured
questionnaire.
Secondary data will be collected from records/reports/statements
Of various bank.
Suitable statistical techniques will be applied for processing the
Collected data.
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DECLARATION
I herby declare that the project entitled “Comparative Study
of Retail Banking Strategies Adopted by Various Pvt.
Sector Bank (Compared with AXIS BANK to Other banks
i.e. ICICI BANK & HDFC BANK).” Submitted for the
Degree of Master of Business Administration; specialized
with Marketing Management, is my original work and the
project has not formed the basis for the award of any degree,
diploma, associate ship, fellowship or Similar other titles. It
has not been submitted to any University or Institution for the
award of any degree or diploma.
Signature of the Student
Place:-
Date :-
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CERTIFICATE
Certified that the Project ““Comparative Study of Retail
Banking Strategies Adopted by Various Pvt. Sector Bank
(Compared with AXIS BANK to Other banks i.e. ICICI
BANK & HDFC BANK)” is a record of research work done by
…………………… during the period of his study under my
supervision, and the project has not previously formed the basis
for the award of any degree, diploma, associate ship, fellowship
or similar other titles and that it is an independent work by done
by him.
Signature of Supervisor
Place: Name:
Date:- Address with Seal:-
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CONTENTS
CHAPTER PAGE NO.
--------------------------------------------------------------------------------------------------------------------------------------
Preface 1
Acknowledgement 2
List of Tables 3
List of Figures 4
1. Chapterisation
i. Introduction
ii. Objectives of the Study
iii. Methodology
iv. Limitation of the Study
2. Retail Banking
Concept of Retail Banking
Marketing
3. The Banks
AXIS BANK
HDFC BANK
ICICI BANK
Retail Strategy of Different Banks
Product Features at a glance
4. Conclusion, Findings
5. Feed back of Customer of Various Banks
6. Performa of the Feed back Form
7. Bibliography
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PREFACE
The Project title is “Comparative Study of Retail Banking
Strategies Adopted by Various Private Sector Banks” based on
marketing of banking strategies.
In the project I have tried to compare various strategies
taken by different banks in retail banking. For the analytical
purpose I have taken AXIS BANK, HDFC BANK and ICICI
BANK. During the study I have find all the retail banking
strategies of the various Private Banks which are not suits the
customer according to their needs.
For this purpose I have made a through study and
conversation with different designated bankers and as well as
bank customers. I have tried to find the problem which is
faced by the bank customer as well as banks and showed the
path to solve the problem for smooth sailing of the banking
industry.
I am obliged to …………………….. , Bazar Channel
Manager (Lubes), East of Bharat Petroleum Corporation Ltd.
for her valuable contribution to supervise me in the project.
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ACKNOWLEDGEMENT
……………………………, Bazar Channel Manager (Lubes),
East Manager of Bharat Petroleum Corporation Ltd.
……………………, Trainer HDFC BANK
……………………., Deputy Manager, HDFC BANK
…………………………., Branch Sales Manager, AXIS BANK
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LIST OF FIGURES
Savings accounts are accounts maintained by retail financial institutions that pay
interest but can not be used directly as money (by, for example, writing a cheque).
These accounts let customers set aside a portion of their liquid assets while earning
a monetary return.
Mortgage is the transfer of an interest in property (or the equivalent in law - a
charge) to a lender as a security for a debt - usually a loan of money. While a
mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer
of an interest in land (or the equivalent) from the owner to the mortgage lender, on
the condition that this interest will be returned to the owner when the terms of the
mortgage have been satisfied or performed. In other words, the mortgage is a
security for the loan that the lender makes to the borrower.
Personal Loan is two types, (1) Unsecured Loans (2) Secured Loans
Unsecured loans are based solely upon the borrower's credit rating. As a result,
they are often much more difficult to get than a secured loan, which also factors in
the borrower's income. An unsecured loan is considered much cheaper and carries
less risk to the borrower. However, when an unsecured loan is granted, it does not
necessarily have to be based on a credit score. For example, if your friend lends
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you money without any collateral, meaning something of worth that can be
repossessed if the loan isn't repaid, then your credit score has zero to do with it, but
rather the value of your friendship is at stake. Therefore the real meaning of an
unsecured loan is that it is not backed by any object of value and is lent to you
based on your good name. For financial institutional purposes, they may want to
look at your credit score because they are not your friend and it is strictly a
business transaction, therefore your good name may be associated with your
historical payment history on prior debt, reflecting in your credit score. There are
three types of unsecured loans. First there is a personal unsecured loan, meaning a
loan that you individually are responsible for the repayment of, second is an
unsecured business loan which leaves the business responsible for the repayment,
and finally there is an unsecured business loan with a personal guarantee. With the
latter, although the borrower is the business, you as an individual will be the
payer of last resort if the business defaults on the loan.
A secured loan is a loan in which the borrower pledges some asset (e.g. a car or
property) as collateral for the loan, which then becomes a secured debt owed to
the creditor who gives the loan. The debt is thus secured against the collateral — in
the event that the borrower defaults, the creditor takes possession of the asset used
as collateral and may sell it to satisfy the debt by regaining the amount originally
lent to the borrower. From the creditor's perspective this is a category of debt in
which a lender has been granted a portion of the bundle of rights to specified
property. The opposite of secured debt/loan is unsecured debt, which is not
connected to any specific piece of property and instead the creditor may satisfy the
debt against the borrower rather than just the borrower's collateral.
A debit card (also known as a bank card or check card) is a plastic card which
provides an alternative payment method to cash when making purchases.
Functionally, it can be called an electronic check, as the funds are withdrawn
directly from either the bank account (often referred to as a check card), or from
the remaining balance on the card. In some cases, the cards are designed
exclusively for use on the Internet, and so there is no physical card.
A credit card is part of a system of payments named after the small plastic card
issued to users of the system. It is a card entitling its holder to buy goods and
services based on the holders promise to pay for these goods and services. The
issuer of the card grants a line of credit to the consumer (or the user) from which
the user can borrow money for payment to a merchant or as a cash advance to the
user.
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ACCOUNT CLOSING: An account can be closed by an account holder after
applying in writing to this effect to the bank. When an account is closed, all unused
cheque forms are required to be returned to the bank. The passbook should be got
completed up to the last transaction of closing the account. A banker is not entitled
to arbitrarily close any account. However, in case of unsatisfactory transactions,
the banker has right to close the customer‘s account after giving him a
reasonable notice enabling him to clear his outstanding dues relating to
his account.
ACCOUNT INTRODUCTION: For opening a bank account,
introduction from someone known to the bank (like an existing account
holder) or a satisfactory reference (like Passport, Identity card, Ration
Card, etc.) is required so as to establish the identity and genuineness of
the person/party in whose name the account is being opened. In the absence
of proper introduction, the bank may not get the statutory protection under Section
131 of the Negotiable Instrument Act of 1881. Another important requirement of
opening of an account is a photograph of the account holder(s), which is to be
placed on record.
ACCOUNT PAYEE: These are the words added to the crossing on a cheque,
which means that the cheque be collected, and proceeds deposited, only in the
payee’s account. These words, however, do not affect the negotiability of a cheque.
AVERAGE DAILY BALANCE: It is the balance of an account, which is
recorded daily for a given period and then totaled. The total figure so arrived is
divided by the number of days in the period to arrive at an average daily balance.
BANK BALANCE: Bank balance is the amount of money standing to the credit
or debit of a bank account.
BANK CHARGES: This term is used for the charges levied by a bank for the
various services it renders to its customers. These may relate to collection of out-
station cheques, bills of exchange and hundies, fees charged for safe custody
deposits, incidental charges on current accounts, etc.
BANK DRAFT: A bank draft is a cheque drawn by a bank on one of its own
branches or correspondents requesting the latter to pay the specified sum of money
to the person named in the draft. Bank drafts provide convenient method of
remitting money from one place to another.
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BANK STATEMENT: A bank statement is a record of all transactions, giving
date wise, each debit and credit entry, whether in the form of cash or cheque,
transfer, etc.
CHEQUE -The term ‘cheque’ is defined under Section 6 of the Negotiable
Instruments Act, 'as a bill of exchange drawn on a specified banker and not
expressed to be payable otherwise than on demand. A further analysis of the
Section reveals the following characteristics:
INTRODUCTION
Brief history of Indian Banking
Banking in India is as old as the hills. It flourished even in ancient Vedic times.
Money was accepted o deposit and given in the form of advances. During the
Mogul period, the indigenous bankers played a very important role in lending
money and financing of foreign trade and commerce. They were also engaged in
the profitable business of money-changing. Every town, big or small had a ‘sheth’,
also known as ‘shah’, ‘shroff’ or ‘chettiar’ who performed a number of banking
functions.
In the first half of the nineteenth century, the East India Company established three
banks: The Bank of Bengal in 1809, The Bank of Bombay in 1840, and The Bank
of Madras in 1843. These three banks, also known as Presidency Banks, were
independent units and functioned well.
In the wake of the Swadeshi movement, a number of banks with Indian
management were established in the country. The Punjub National Bank Ltd. Was
founded in 1895; The Bank of India Ltd. In 1906; The Canara Bank Ltd. In 1906;
The Reserve Bank of India was constituted in 1935 under the Reserve Bank of
India Act, 1934, to “regulate the issue of bank notes and the keeping of reserves
with a view to securing monetary stability in India and generally to operate the
currency and credit system of the country to its advantage”. The Bank is
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performing a number of functions as a central banking authority including the
issuing of bank notes.
DEFINATION OF BANKING
As per the Banking Regulation Act, 1949, which reads as under?
5 (b) “Banking means the accepting, for the purpose of lending or investment,
of deposits of money from the public, repayable on demand or otherwise, and
withdrawable by cheque, draft, order or otherwise.
(c) “Banking company means any company which transacts the business of
banking in India”.
Dr. H. L. Hart says,” A banker is one who, in the ordinary course of his business,
honours cheques drawn upon him by persons from and for whom he receives
money on current accounts.”
Banks’ Functions
Besides the functions stated in the previous paragraphs, viz.
the acceptance of deposits of various types for the purpose of lending or for
investment, banks are permitted to engage in some other forms of business, such as
collection of cheques, bills and other instrument, remittance of funds, opening
letters of credit, issuing travelers cheques, accepting articles for safe custody,
letting out safe deposit lockers, purchase and sale of securities etc., issuing
indemnities and guarantees etc., acting as executors and trustees, underwriting the
issue of shares, debentures etc. (Section 6 of the Banking Regulation Act, 1949).
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The above amendment has placed beyond doubt the meaning of the words ‘Bank’,
‘Banker’, ‘Banking’.
OBJECTIVES OF THE STUDY
1. To analysis various factors concerning of Retail Banking.
2. To analysis and interpret the additional Services business
through Retail Banking.
3. To analysis growth of banking business.
4. To highlight the development in Retail Banking.
5. To come with conclusion, findings, and suggestions.
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Methodology :-
The study will be based primary data as well as secondary
Data. But the role of secondary data will be higher.
Now at first knowing what is Primary Data and what is
Secondary data.
Primary data are generated in an investigation according to
The needs of the problem in hand.
Secondary data can be defined as data collected by some
One else for purpose other than solving the problem being
Investigated. Primary data will be collected through interview and structured
questionnaire.
A questionnaire is a method of obtaining specific information about a defined
problem so that the data after analysis and interpretation, results in a better
appreciation of the problem.
A questionnaire form which has to be completed by an interviewer is often
referred as a schedule.
Secondary data will be collected from records/reports/statements
Of various bank.
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Secondary
Sources
Internal External
Information Information
System System
Sales Information
Accounting From
Force Miscellaneous
Published
Original
Records Records
Reports Research Research
Limitations of the Study
The Project had several limitations due to some constraints, due to the market
condition, Limitations during the course of the project are:-
i. Some of the respondents did not answer as they were
Busy hence the right information could not be obtained.
ii. Since the researcher was not familiar with the area of
operation the study took more time than what it actually
deserves.
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RETAIL BANKING
Concept of Retail Banking
Retail banking is a banking service that is geared primarily toward individual
consumers. Retail banking is usually made available by commercial banks, as well
as smaller community banks. Unlike wholesale banking, retail banking focuses
strictly on consumer markets. Retail banking entities provide a wide range of
personal banking services, including offering savings and checking accounts, bill
paying services, as well as debit and credit cards. Through retail banking,
consumers may also obtain mortgages and personal loans. Although retail banking
is, for the most part, mass-market driven, many retail banking products may also
extend to small and medium sized businesses. Today much of retail banking is
streamlined electronically via Automated Teller Machines (ATMs), or through
virtual retail banking known as online banking.
DEFINATION OF RETAIL BANKING
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Retail banking is typical mass-market banking where individual customers use
local branches of larger commercial banks. Services offered include: savings and
checking accounts, mortgages, personal loans, debit cards, credit cards, and so
forth.
Banking Dictionary: Retail Banking
Banking services offered to the general public. Retail banking services are a group
of financial services that includes installment loans, residential mortgages, equity
credit loans, deposit services, and individual retirement accounts. In contrast with
Wholesale Banking or corporate banking, retail banking is a high volume business
with many service providers competing for market share. Some retail banking
services, for example, credit cards, are among the most profitable services offered
by financial institution. retail banking is typical mass-market banking where
individual customers use local branches of larger commercial banks. Services
offered include: savings and checking accounts, mortgages, personal loans, debit
cards, credit cards, and so forth.
Types of Banking
• Commercial bank has two possible meanings:
o Commercial bank is the term used for a normal bank to distinguish it
from an investment bank. (After the great depression, the U.S.
Congress required that banks only engage in banking activities,
whereas investment banks were limited to capital markets activities.
This separation is no longer mandatory.)
o Commercial bank can also refer to a bank or a division of a bank that
mostly deals with deposits and loans from corporations or large
businesses, as opposed to normal individual members of the public
(retail banking).
• Community development bank are regulated banks that provide financial
services and credit to underserved markets or populations.
• Private banks manage the assets of high net worth individuals.
o Offshore banks are banks located in jurisdictions with low taxation
and regulation. Many offshore banks are essentially private banks.
• Savings bank accept savings deposits.
Postal savings banks are savings banks associated with national postal systems.
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MARKETING
Concept of Marketing from the difference between the Sales and Marketing. The
Marketing Concept was born out of the awareness that the business should start
with the determination of consumer wants and end with the satisfaction of those
wants. The concept puts the consumer at both the beginning and the end of the
business cycle. It stipulates that any business should be organized around the
marketing function and its task should be one of anticipating, stimulating and
meeting customers’ needs. The customer, anticipating, stimulating and meeting
customers’ needs. The customer, not the corporation, has to be the centre of the
business universe. A business can’t succeed by succeed by supplying products and
services that are not designed to serve the needs of the customers.
As P.F. Drucker says, The Marketing Concept has four major distinguishing
features:
Consumer Orientation-
An overwhelming emphasis on the consumer and his need is the first
distinguishing of the marketing concept. The concept enables the firm to look at its
business from the point of view of the consumer. The importance of the consumer
can be seen clearly in the following words of Drucker: “ The purpose of any
business is to create a customer. It is the customer who determines what a business
is. It is the customer who determines what a business is. It is the customer and he
alone, who, through being willing to pay for a good service, converts economic
resources in to wealth, things into goods. What a business thinks it produces is not
of first importance- especially not to feature of the business and to its success.
What the customer thinks he is buying- what the considers value, is determines
what a business is, what it produces and whether it will prosper”.
Integrated Management, with Marketing as the Fulcrum:
Integrated management here means that all the different functions of the business
must be tightly integrated with one another, keeping marketing as the pivot. This is
essential because every function has a bearing on the consumer and the aim is to
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see that all the functions make a favorable impact on the consumer. For this to
happen, all functions have to be integrated and properly aligned with marketing.
Consumer Satisfaction:
Integrated management action explained above, is a means, not an end in itself. It
is the means for fulfilling the needs of the consumer. And this leads us to the third
major distinguishing feature of the marketing concept, namely, consumer
satisfaction. The marketing concept emphasis that it is not enough if a firm has
Consumer orientation, it is essential that such an orientation leads to consumer
satisfaction.
Realization of All Organizational Goals, Including Profit
Consumer satisfaction too, is not an end in itself. The marketing concept does not
preach that a firm must generate consumer satisfaction and forgot its own interests.
Instead, it teats consumer, satisfaction as the pathway to the attainment of the goals
of the organization. The undergoing approach is: If a firm has succeeded in
generating consumer satisfaction, it implies that the firm has given a quality
product, offered competitive price and prompt services, and has succeed in creating
good image.
Marketing as is known deals with all those processes required to put the products
in the hands of the ultimate consumer. On Marketing a pithy definition has been
given by the Father of Marketing Management Philip Kotler as “Marketing is the
delivery of the consumer satisfaction at a profit.” Thus one of the essential
parameters that judge the effectiveness of marketing exercise is the effect it has on
the organization’s bottom.”
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ABOUT AXIS BANK
Axis Bank was the first of the new private banks to have begun operations in 1994,
after the Government of India allowed new private banks to be established. The Bank
was promoted jointly by the Administrator of the specified undertaking of the Unit
Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General
Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e.
National Insurance Company Ltd., The New India Assurance Company Ltd., The
Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
The Bank today is capitalized to the extent of Rs. 358.97 crores with the public
holding (other than promoters) at 57.59%.
The Bank's Registered Office is at Ahmedabad and its Central Office is located at
Mumbai. Presently, the Bank has a very wide network of more than 729 branch
offices and Extension Counters. The Bank has a network of over 3171 ATMs
providing 24 hrs a day banking convenience to its customers. This is one of the
largest ATM networks in the country.
The Bank has strengths in both retail and corporate banking and is committed to
adopting the best industry practices internationally in order to achieve excellence.
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The Housing Development Finance Corporation Limited (HDFC) was amongst the
first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to
set up a bank in the private sector, as part of the RBI's liberalization of the Indian
Banking Industry in 1994. The bank was incorporated in August 1994 in the name
of 'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank
commenced operations as a Scheduled Commercial Bank in January 1995.
The last twelve years have been very fulfilling. We can of course wax eloquent
about it in so many ways, but they say, figures don't lie, so we will let the figures
do all the talking. They will give you a fair idea of how we have grown in the past
few years.
HDFC Bank began operations in 1995 with a simple mission: to be a "World-
class Indian Bank". We realized that only a single-minded focus on product
quality and service excellence would help us get there. Today, we are proud to say
that we are well on our way towards that goal.
HDFC Bank Managing Director Aditya Puri is the CNN-IBN Indian of the Year
2008 in the Business category. Given in six categories - Politics, Sports, Business,
Entertainment, Public Service, and Global Indian - these awards ”recognize,
celebrate and honour Indians who have contributed to our country and in turn have
strengthened our society and contributed to building Brand India in 2008,“ says the
official CNN-IBN website.
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ICICI Bank is India's second-largest bank with total assets of Rs. 3,849.70 billion
(US$ 82 billion) at September 30, 2008 and profit after tax Rs. 17.42 billion for the
half year ended September 30, 2008. The Bank has a network of about 1,400
branches and 4,530 ATMs in India and presence in 18 countries. ICICI Bank offers
a wide range of banking products and financial services to corporate and retail
customers through a variety of delivery channels and through its specialized
subsidiaries and affiliates in the areas of investment banking, life and non-life
insurance, venture capital and asset management.
ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the
National Stock Exchange of India Limited and its American Depositary Receipts
(ADRs) are listed on the New York Stock Exchange (NYSE).
History
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial
institution, and was its wholly-owned subsidiary. ICICI's shareholding in ICICI
Bank was reduced to 46% through a public offering of shares in India in fiscal
1998, an equity offering in the form of ADRs listed on the NYSE in fiscal 2000,
ICICI Bank's acquisition of Bank of Madura Limited in an all-stock amalgamation
in fiscal 2001, and secondary market sales by ICICI to institutional investors in
fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the
World Bank, the Government of India and representatives of Indian industry. The
principal objective was to create a development financial institution for providing
medium-term and long-term project financing to Indian businesses.
The Features of Savings Account of AXIS
BANK.
Zero Balance Savings Account
Save at Zero
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Saving Money is now easier
Presenting, Axis Bank's Zero Balance Savings Account. At Axis Bank it has been
our constant endeavor to create products specifically catering to your needs. The
account while offering you a whole range of services also addresses your latent
need of having an account without the hassle of maintaining an average quarterly
balance.
Features
• No Average Quarterly Balance requirement
• Free International Debit Card with an Accidental Insurance cover up to Rs 2
lakhs* (charges for the primary holder are waived) Free mobile banking facility
Access though more than 675 branches and more than 2800 ATMs.At-Par cheque
facility with the clearing limit of Rs 50,000. 24x7 Telebanking & Internet banking
Free quarterly statements.
* Conditions Apply
1. Initial funding of Rs. 5,500.
2. Account maintenance fee of Rs. 500 per annum
•
Easy Access Savings Account
Presenting, Axis Bank's Easy Access Savings Account. The account is an endeavor
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by the Bank to understand the consumers' needs and redefine banking to suit your
requirements for a truly comfortable banking experience. Easy Access Savings
Account gives you instant access to your money anywhere, anytime. Possessing a
range of unmatched features, it has been devised to better suit the convenience of our
eclectic client base.
•
You can avail of all these services with a minimum quarterly average balance of Rs. 5,000
in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers.
At-par cheque ATM Network Anywhere Banking Telebanking iConnect
Mobile Banking Quarterly account statement Quarterly interest @ 3.5 % p.a.
• You can avail of all these services with a minimum quarterly average balance of Rs. 5,000
in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers.
PRIME SAVINGS A/C
At Axis Bank, always strived to pace our products with the growing needs of our
customers. The Prime Savings account has therefore been created with your specific
financial requirements in mind.
Wider accessibility
As a Prime Savings account holder, you enjoy access to a wide network of over 671
branches and one of the largest ATM networks in India giving you easy access to your
account from almost any corner of the country. To simplify daily banking, your Prime
Savings account comes with an international photo-signature Debit Card. This unique card
comes with withdrawal limit of Rs. 40,000 per day, facilitating transfer of funds, deposits
of cash/ cheques and payment of insurance premium (LIC). Your Debit Card also comes
with a comprehensive insurance cover inclusive of zero lost card liability, purchase
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protection and personal accident insurance up to 2 lacks.
More comfort
Through our 24 hr Internet Banking and Tele Banking services, you can enjoy the ease of
banking from home or office. Through these comprehensive services, you can access a
range of facilities including online funds transfer, requests for a new chequebook,
Financial Advisory Services (FAS), online shopping and information on mutual funds.
Enhanced privileges
The Prime Savings Account eases your banking experience by providing you a passbook
and monthly statement of account to keep you updated on all your transactions and assist
you better in managing your finances.
Smart Privilege Account For the woman of today
In today's busy world it's tough being a working woman. Right from shuttling between a
job and family to taking care of her finances she has to be on her toes all the time. Keeping
this in mind, we at Axis Bank have designed a savings account best suited for the woman
of today. With the Smart Privilege Account, you can manage your money and your life
and as well as enjoy a host of lifestyle privileges. Furthermore Axis Bank's Smart Privilege
Account ensures that you have enough time for all the important things in life.
Jewellery Insurance on Debit Card Round-the-Clock access through ATMs
Anywhere Banking At-par cheque facility Monthly Account Statement .Additional
discounts on loans iConnectTM.
The Complete online banking experience: Its the age of Wi-Fi. All your banking needs
should be on your fingertips, with our i-connect you can check your account status,
transfer funds, place online request for a new cheque book and many more features
without even having to visit an Axis Bank branch.
• Financial Advisory Services: Our Financial Advisor will assist you with your financial
planning and help you to earn maximum returns on your savings .Just live the feeling of
walking into a store and getting amazing discounts not available to others. As you are a
valued customer for us, we shall endeavour to provide you with discounts at various
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outlets, periodically. All you have to do is use your new Smart Privilege Debit Card and
avail of discounts at these outlets. Details of such tie-ups will be sent to you on a regular
basis.
Senior Privilege
Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact
that a senior citizen's banking requirements are wholly different and require special
consideration.
Axis Bank introduced Senior Citizen ID card for our Senior Privilege patrons. Let us
briefly introduce the wide range of advantages it hold for you.
Avail of Great benefits with Senior Citizen ID card
ID card acts as an age proof. Enabling you to redeem every advantage that you are eligible
for. This card will soon help you avail of certain never-before Senior-citizen benefits at
various stores, service providers and installation across the nation.
Banking Privileges
Dedicated Relationship Managers. Free At-Par Cheque book .
Free international VISA Debit Card for Primary and Joint accont holders.
Free Monthly Statement of Accounts and Free Passbook . Free Issuance of Pay Orders or
Demand Drafts drawn on
Axis Bank branches. Free Inward Remittances. Free Outward Remittances once a year.
Faster credits to foreign cheques providing you prompt. Availability of funds remitted by
your near and dear . Ones abroad. Cheque pickup and Cash delivery services. Anywhere
Banking. Telebanking . Free Mobile Banking.
iConnect . Customized Loan Offerings. Complimentary Financial Planning.
Silver Health - Medical Insurance for Senior Citizens.
Azaadi - No Frills Account
Presenting, Axis Bank's Azaadi Account. A savings account that doesn't require a
•
minimum balance. Experience a host of unparalleled features and heightened convenience
with Azaadi Account. You qualify for Azaadi if The sum total of all credits to your
account does not exceed Rs 1 lac during the Financial year,
•
• You do not intend to maintain an account balance higher than Rs 50,000 at any given
instant, and documentation as required ordinarily for fulfilling of account opening norms.
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Product Features
Zero Balance Savings Account: No need to maintain a fixed, mandatory amount in your
account.
Pension Savings Account
Pension Savings Bank Account, from Axis Bank is specifically, designed for Pensioner's
(Existing & Prospective) of Central Govt.
Civil Ministries/ Departments & Defence Ministry keeping in mind the fact that a
Pensioner's banking requirements are wholly different .
• Timely communication to the customer on receipt of the PPO No delays in
commencement of pension disbursals - The Bank is handling the disbursement of Pension
under a Centralized Pension Disbursement Module wherein the Pensioner records are
credited centrally through its Centralized Pension Payment Hub (CCPH) at Mumbai.
• Timely issue of Form- 16A for tax deducted at source in the immediately previous
financial year. The Bank is authorized by RBI and Central Pension Accounting Office
(CPAO) for disbursement of Central Civil Pension through its 218 authorized branches
across the country.
PERSONAL LOAN of AXIS BANK
Special loans for doctors, chartered accountants . Engineers, architects, CS and ICWA.
Loans are available from Rs 1 lac to Rs 20 lacs.Repayment tenures from 12 to 60 months
Attractive interest rates. A balance transfer facility available for those who want to retire
any higher cost debt. Loans available against repayment track record of any existing auto,
personal or home loan. Zero balance SB account facility for personal loan customers.
Simple procedure, minimal documentation and quick approval.
CREDIT CARDS OF AXIS BANK
● PLATINUM CREDIT CARD-
Platinum Privileges- Highest Level of Security. Premium Wrist Watch. 5% savings on
fuel spends. Accelerated Rewards Program. Platinum Value Chart.
Additional Platinum Benefits- Concierge Service. Access to VIP Airport Lounges.
Comprehensive Insurance Cover. Exclusive Platinum Cover.
● GOLD PLUS CREDIT CARD-
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Exclusive Benefits- Holiday Voucher worth Rs. 2000 or Hotel voucher worth Rs. 1000
from Akbar travels. Shopping voucher Rs. 1000 from Deals4all. 50% Guaranteed
Discounts on Hotels. Petrol Surcharge of Waiver.
Other Gold Plus Credit Card Benefits- Plus Points Rewards. Comprehensive Insurance
Cover. Balance Transfer. Auto Debit Facility. Emi Facility. Revolve Facility.
● GOLD CREDIT CARD-
Exclusive Benefits- Plus Points Rewards. Comprehensive Insurance Cover. Balance
Transfer. Auto Debit Facility. Emi Facility.
● SLIVER CREDIT CARD-
Exclusive Benefits- Plus Points Rewards. Comprehensive Insurance Cover. Balance
Transfer. Auto Debit Facility. Emi Facility.
● SECURED CREDIT CARD-
Key Benefits- Lower Finance Charges (0.99% p.m. to 1.49% p.m.). Income Document
Requirement waived Off. Term Deposit Continues to earn interest. Flexibility to set your
own credit Limit on the basis of the FD amount.
Also offered eShop Card, Corporate Credit Card, Magnet Loyalty Credit Card, Trust
Chemist Credit Card, Shriram Credit Card.
DEBIT CARDS OF AXIS BANK
● GOLD DEBIT CARD-
Benefits of Gold Debit Card- Flexibility of usage. World wide reach. Reward program.
Additional Safety and enhanced insurance. Enhanced limits of cash withdrawals. Zero
Petrol Surcharge. Customer Service Contact.
● GOLD PLUS DEBIT CARD-
Benefits of Gold Plus Debit Card- Instant Identification. Flexibility of usage. World
wide reach. Reward program. Additional Safety and enhanced insurance. Enhanced limits
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of cash withdrawals. Zero Petrol Surcharge. Customer Service Contact.
● BUSINESS GOLD DEBIT CARD -
Benefits of Business Gold Debit Card- Instant Identification. Flexibility of usage. World
wide reach. Reward program. Additional Safety and enhanced insurance. Enhanced limits
of cash withdrawals. Zero Petrol Surcharge. Customer Service Contact.
The Features of Savings Account of HDFC BANK.
Regular Savings Account:- An easy-to-operate savings account that allows you to issue
cheques, draw Demand Drafts and withdraw cash. Check up on your balances from the
comfort of your home or office through NetBanking, PhoneBanking and MobileBanking.
Need money urgently? Withdraw cash from any of the 2890 ATM centres spread across
the country.
Features & Benefits-
Wide network of branches and over thousand ATMs to
meet all your banking needs no matter where you are located.
Bank conveniently with facilities like Net Banking and Mobile Banking- check your
account balance, pay utility bills or stop cheque payment, through SMS.
Never overspend- Shop using your International Debit Card that reflects the actual balance
in your savings account. Personalized cheques with your name printed on each cheque
leaf for enhanced security. Take advantage of Bill Pay, an instant solution to all your
frequent utility bill payments. Instruct for payment over
the phone or through the Internet. Free Payable-at-Par cheque book, without any usage
charges upto a limit of Rs.50,000/- per month. Free InstaAlerts for all account
holders for lifetime of the account. Free Passbook facility available at home branch for
account holders (individuals). Free Email Statement facility.
SAVINGS PLUS ACCOUNT:-
Features and Benefits-
Wide network of branches and over thousand ATMs to meet all your banking needs no
matter where you are located. Bank conveniently with facilities like Net Banking and
Mobile Banking- check your account balance, pay utility bills or stop cheque payment,
through SMS. Never overspend- Shop using your International Debit
Card that reflects the actual balance in your savings account. Personalized cheques with
your name printed on each cheque leaf for enhanced security. Take advantage of Bill Pay,
an instant solution to all your frequent utility bill payments. Instruct for payment over the
phone or through the Internet. Free Payable-at-Par cheque book, without any usage
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charges upto a limit of Rs.50,000/- per month. Free InstaAlerts for all account holders for
lifetime of the account. Free Passbook facility available at home branch for account
holders (individuals). Free Email Statement facility.
Free Payable at Par (PAP) chequebook without any usage charges upto a limit of 50,000
per month.
SAVINGS MAX ACCOUNT –
Features and Benefits-
Free unlimited transactions: Cash withdrawal and balance enquiry, at all HDFC Bank
ATMs & on any other Bank's ATM using your HDFC Bank Debit Card. Free Gold Debit
Card for primary account holder for lifetime of the account. Gold Debit Card for other
account holders at Rs 250/- p.a. Free Woman's Advantage/International Debit Card for all
account holders for lifetime of the account. Free Payable-at-Par (PAP) chequebook,
without any usage charges upto a limit of 1 lac per month. Free Demand Drafts on HDFC
Bank locations, upto a limit of 50,000/- per day at home branch. Self/Third Party Cash
Deposit/Withdrawal at non-home branches, upto Rs 50,000/- per day free. Above
Rs50,000 a charge of Rs 2.90 per thousand on the full
amount would be applicable. Free Bill Pay & Insta Alerts for all account holders for
lifetime of the account. Free Monthly Statement of Account. 50% off on the Locker rental
for the 1st year only. Folio maintenance charges on Demat account free for first year.
SENIOR CITIZENS ACCOUNT
Features and Benefits-
Folio maintenance charges on Demat account free for first year. Folio maintenance
charges on Demat account free for first year. Payable-at-Par (PAP) cheque books are
issued free. With this facility, outstation cheques issued by you (for clearing) will be
treated as local cheques, at any HDFC Bank location What's more, enjoy free PAP usage
upto Rs.50,000/- per month. A nominal charge of Re.1/- per 1000 will apply above
Rs.50,000/- on the full amount. Use the third party cash transaction facility at non-
account branches, to have your near and dear ones deposit / withdraw cash upto
Rs.50,000/- per day on your behalf for free. Above Rs 50,000 a charge of Rs
2.90/- per 1000 on the full amount would be applicable..
Insurance Benefit
Get Accidental Hospitalization cover of Rs.50,000/- per annum. This is a reimbursement
cover for the first applicant.You can also claim daily cash allowance once a year (at
Rs.500/- per day for a maximum of 15 days per year) for each day of hospitalization due to
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an accident.
NO FRILLS SAVINGS ACCOUNT
Feauters and Benefit-
All this with a Zero Initial Pay-in and a Zero Balance account !
Access a wide network of branches and over a thousand ATMs across the country to meet
all your banking needs. Use the Free National Electronic Funds Transfer (NEFT) facility
to transfer funds from your HDFC Bank account to an account in another Bank at the
locations as specified by RBI. Get Free Quarterly Account Statements. Additional Branch
Cash withdrawals in the month will be charged @ Rs.50/- per transaction. Cheque deposits
at branches will be free of charge and without any restrictions. International Debit Card
available only on request at the branch @ Rs. 100/- p.a. (plus applicable taxes) for each
applicant.
KIDS ADVANTAGE ACCOUNT
Features and Benefits-
Free Education Insurance cover of Rs. 1,00,000/- in the event of death of the parent /
guardian through vehicular accident by road, rail or air to safeguard the future of your
child.
ATM/International Debit Card will be issued for children between 7-18 years of age in the
child's name with your permission. The amount your child is able to withdraw is Rs.
1,500/- at ATMs or spend Rs. 1,000/- at merchant locations.
Opt for standing instruction to transfer any amount from your account to your Kid's
Advantage Account every month (Minimum value = Rs. 500/- & Minimum tenure = 1
year).
Once the balance in the Kid's Advantage Account reaches/exceeds Rs. 10,000/-, the
amount in excess of Rs. 5,000/- will automatically be transferred into a Fixed Deposit for 1
year 1 day, in your child's name, by signing in for our sweep-out facility.
PENSION SAVINGS ACCOUNT
Features and Benefits-
The Pension Saving account is a Zero Balance Account. Timely credit of receivable.
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Free International Debit Card. Pension Accounts are opened immediately after advice and
deliverables reach in time- within the 1st and 5th of the new month (in case of EPFO) and
last day of the month (in case of Central Govt. Civil Pensions) Timely issue of Form-
16A (by April 15th) for tax deducted at source in the immediately previous financial year.
FAMILY SAVINGS ACCOUNT
Features and Benefit-
All account holders can operate their account freely without worrying about their
minimum balance. Family members with NRI status can also be part of the group.
Up to 2 free DD's/ MC's on HDFC Bank locations per account per month (max. up to Rs.
25,000/- per instrument per day. Free International Debit Card for all account holders till
the account is part of the Family group. (NRO Accounts will be issued only ATM cards).
Free Passbook facility available at home branch for account holders (individuals).
PERSONAL LOAN of HDFC BANK
Features and Benefits-
Borrow up to Rs 15,00,000 for any purpose depending on your requirements. Flexible
Repayment options, ranging from 12 to 60 months. Repay with easy EMIs. One of the
lowest interest rates. Hassle free loans - No guarantor/security/collateral required. Speedy
loan approval. Convenience of service at your doorstep.
Customer privileges
If you are an existing Auto Loan customer with a clear repayment of 12 months or more
from any of our approved financiers or us, you can get a hassle free personal loan (without
income documentation). If you are an existing HDFC Bank Personal Loan customer with a
clear repayment of 12 months or more, we can Top-Up your personal loan.
Credit Shield
In case of death or total permanent disability of the loans, the loan/nominee can avail of
the Payment Protection Insurance (Credit Shield) which insures the principle out standings
on the loan up to a maximum of the loan amount. Principle outstanding is defined as the
amount of loan outstanding (not including any arrears in payment or interest thereon) at
the Date of Loss, having accounted for payments made and interest accruing as determined
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in the Policy. Hence, the amount covered does not include any principal added because of
non - payment of EMI and also will not include interest/ accrued charges.
CREDIT CARDS OF HDFC BANK
● PLATINUM PLUS CREDIT CARD-
Features and Benefits-
Attractive Reward Points. 0% Fuel surcharge. Lost card liability. Interest free credit
facility. Revolving Credit Facility. Utility bills through your credit card.
● GOLD CREDIT CARD-
Features and Benefits-
Up to 5% cash back on air/ rail ticketing. Attractive Reward Points. Rewards points
redemption. Worldwide acceptance. Revolving Credit Facility. Free Add-on card. Interest
free credit facility.
● SLIVER CREDIT CARD-
Features and Benefits-
All-purpose credit card. Earn while you spend. Add on
Cards. Zero liability on lost card . Widely accepted.
DEBIT CARDS OF HDFC BANK
Easy Shop international debit card. Easy Shop gold debit card. Easy Shop pro gold debit
card. Easy Shop international business debit card. Easy Shop women advantage debit
card.
The Features of Savings Account of ICICI BANK.
Savings Account
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In Savings Account these facilities are available. Like Debit-cum-ATM Card.
Money Multiplier Facility. Internet Banking . Customer Care. Mobile Banking.
Standing Instructions. Nomination facility. Bank@Home. DD Call and Collect .
Special Savings Account
Comprehensive Banking. Solutions with added features. Supplementary Savings. Ideal
for tax-exempt entities. Internet Banking. Phone Banking. Anywhere Banking .Inward
Remittance.
'Life Plus' Senior Citizen Services
Designated Senior Citizen Desk. Higher Interest Rates on Term Deposits. Demand Loans
against your deposit . Free collection of outstation cheques drawn on any ICICI Bank
location . Special Senior Citizen 'Life Plus' Debit card . Money Multiplier Facility.
Anywhere Banking.
Young Stars
Open a Kid’s Savings Account, Fixed Deposit or a Recurring Deposit. The minimum
average balance for a Savings Account Is Rs.2,500. Free personalized Cheque Book.
Internet Banking. Free International Debit Card. Daily withdrawal and spends of up to
Rs.2,500. Transfer Funds Facility.
Freedom Savings Account
Enjoy free, unlimited access to all non-ICICI Bank ATMs (for cash withdrawals and
balance enquiry). Minimum quarterly average balance of Rs.10,000.
ADVANTAGE WOMEN SAVINGS ACCOUNT
Get a specially designed woman's debit card which helps you shop and save
simultaneously, manages your household expenditures and comes with a bag full of offers
attached to it. This savings account brings to you all our core banking services with many
exciting benefits and features attached, especially for our women customers.
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PEOPLES SAVINGS ACCOUNT
A savings account from ICICI Bank available only through our Rural branches. Minimum
balance of Rs.500/-. No annual fees. Unlimited transactions at the base branch where you
have opened your account. Internet, Phone and Mobile banking free of cost.
NOR FRILLS ACCOUNT
The Rural Savings Account will be available through Business Correspondents. The
account is zero balance with no initial deposit. The Customer is provided with an E-
passbook. All transactions in the accounts are done only after a biometric authentication.
Nomination facility is available. Interest is payable half-yearly.
PERSONAL LOAN of ICICI BANK
Features and Benefits
Loan up to 15 lacs. No security/guarantor required. Faster Processing. Minimum
Documentation. Attractive Interest Rates. 12-60 Months repayment options.
ICICI Personal Loans is provided only to an existing ICICI Bank customer. With the
"Loan on Phone" facility, it is possible to secure a loan even without having to visit your
bank branch. If you have been an ICICI Bank customer for the past 9 months, you might
have a pre-approved loan offer waiting for you. All you need to do is.- Login to
icicibank.com using your user ID and password and know your offer. Speak to our phone
banking officers and quote your relationship number. For phone banking numbers.
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Walk into any ICICI Bank branch.
CREDIT CARDS OF ICICI BANK
ICICI BANK Credit cards are these types. Like- ICICI BANK Credit Card, ICICI
Platinum Credit Card, ICICI BANK American Express & British Credit Card,
ICICI BANK Titanium Credit Card, ICICI BANK Future Gold Credit Card, ICICI
HPCL Credit Card, ICICI BANK Preferred Credit Card.
DEBIT CARDS OF ICICI BANK
Cashless Spending. Use Online Safely. Lost Card Protection. Countrywide
Acceptance. Worldwide Acceptance.
CONCLUSION
As market research is the process of finding a solution to a problem or a question through
the use of specific tools and technique. So here the information needed by the company
was collected through the means of questionnaire so as to exploit the various suppliers
whom the company had never deal with. The research carried out for the completion of the
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Project was successful as all the information was practically up to the company’s
expectation.
FINDINGS
The Primary data collected by the Structured Questionnaire of various people by the
different locality.
1st area :- Behala; which is a residential locality in South Kolkata. Here all
The people are mainly middle class. Here I meet 50 people.
The Result are given below---
SAVINGS ACCOUNTS
NATIONALISED
BANKS
10%
15% AXIS BANK
50%
25% ICICI BANK
HDFC BANK
Personal Loan, High Value Amount Taken and Services of Behala area of 3 Banks
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6
5
4
3 AXIS BANK
2 HDFC BANK
1 ICICI BANK
0
PERSONAL HIGH VALUE SERVICES
LOAN AMOUNT
Share holder of Institutional Investors
Trend in Institutional Holders in Indian Banks.
Fll holding (incl. Foreign Fin. Inst. & ADR/ GDR)